When the card surcharge ban was announced, we wrote about what it would mean for businesses. It's now close enough to be worth a second look. From 1 October 2026, surcharges on most card payments end, and that's roughly two months away. If you currently add a card fee at the checkout, this is a good time to have your plan in place rather than sorting it out in the last week of September. A quick refresher on what's changing From 1 October 2026, you won't be able to add a surc

Most small business owners have heard the term. Very few have thought much about it. It sounds like an accounting technicality. Something that gets set up once when you start using Xero or MYOB, and then quietly sits there in the background doing whatever it does. Here is the thing though. Your chart of accounts is not a background detail. It is the structure that determines whether your financial reports tell you anything useful or just confirm that money came in and money w

If you work from home, even part of the time, you have probably wondered what you can do with those costs at tax time. The honest answer is it depends on your situation, and your registered tax agent is the right person to walk you through what applies to you. What we can tell you is what records to keep so that when that conversation happens, you have something to support it. Start with your hours Whatever approach applies to you, a record of the hours you worked from home